$319,900Sold4 bd · 2 ba · 1,919 sq ft
Sold·Closed Oct 13, 2026·112 days on market
1190 Summer Springs Drive
Middleburg, FL 32068
About this home
Middleburg
Buyers Financing fell through! Welcome to this beautifully maintained 4-bedroom, 2-bathroom nestled in the heart of Middleburg offering 1,919 square feet of thoughtfully designed living space. Step inside to discover a spacious and inviting floor plan ideal for both everyday living and entertaining. The expansive owner's suite serves as a private retreat, complete with 2 walk-in closets and a beautifully appointed en-suite bathroom featuring a relaxing garden tub and a recently renovated walk-in shower. Unwind and take in peaceful pond views from the open patio--an ideal setting for morning coffee or evening relaxation. The fully fenced backyard offers privacy and plenty of space for pets, play, or outdoor gatherings. Perfectly situated near Ascension St. Vincent's Clay County, this home also offers a convenient commute to Naval Air Station Jacksonville and Cecil Field. Enjoy proximity to shopping, dining, and everyday essentials, all while residing in a quiet, established community.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X — minimal flood hazard
Flood insurance is typically not required by lenders (always optional).
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2005)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer (public record) · Public water · Clay County Utilities
County records show this parcel on central sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,759 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest park or preserve
Sal Taylor Creek Preserveabout 9 mi · 4.6 mi of trails
Closest public boat ramp
Old Ferry Public Boat Ramp (aka. Rideout Ferry)about 3 mi · St. Johns River - Black Creek
Closest kayak & paddleboard launch
Doctors Lake Park Kayak Launchabout 5 mi · Doctors Lake
Closest grocery store
Publixabout 5 mi · 9518 Argyle Forest Blvd, Jacksonville
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 6:49 AM, sunset 5:33 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $307,799 | $307,799 | — |
| 2025 | $306,488 | $68,026 | — |
| 2024 | $301,962 | $70,261 | — |
| 2023 | $298,703 | $66,759 | — |
| 2022 | $272,469 | $63,359 | — |
| 2021 | $207,420 | $60,058 | — |
| 2020 | $184,992 | $58,539 | — |
2025 property taxes (current owner): $1,557/yr
Estimated taxes if purchased at asking price: ~$5,800/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 901 current Clay listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2026), NEFMLS.
History
Price & status history
- Oct 14, 2026Closed$309,900
- Sep 20, 2026Pending$309,900
- Sep 9, 2026Price change$309,900−$10,000
- Sep 1, 2026Active$319,900
- Aug 24, 2026Active Under Contract$319,900
- Aug 12, 2026Price change$319,900−$10,000
- Jul 20, 2026Active$329,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $161/sq ft; this home is listed at $167/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 4153 Weathered Pine Court, Middleburg, FL 32068Listed by RE/MAX SPECIALISTS | Oct 2026 | $275,000 | $144 | 3/2 | 1,908 | 48 | 0.3 |
| 1407 Heather Glen Lane, Middleburg, FL 32068Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $280,000 | $157 | 4/2 | 1,783 | 32 | 0.4 |
| 1821 Heartpine Drive, Middleburg, FL 32068Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $298,000 | $151 | 4/2 | 1,977 | 134 | 0.4 |
| 1817 Hearth Street, Middleburg, FL 32068Listed by MOMENTUM REALTY | Oct 2026 | $293,000 | $192 | 3/2 | 1,528 | 9 | 0.9 |
| 1963 Hunters Trace Circle, Middleburg, FL 32068Listed by ERA ONETEAM REALTY | Oct 2026 | $295,000 | $178 | 4/2 | 1,653 | 10 | 1.3 |
| 1341 Camp Ridge Lane, Middleburg, FL 32068Listed by EXIT INSPIRED REAL ESTATE | Oct 2026 | $297,000 | $161 | 4/2 | 1,843 | 151 | 1.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: GETMOREOFFERS
Sold by: NON MLS (realMLS) (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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Krista Fracke
Broker Associate
This home sold on Oct 13, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
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